Climate Risk Summary

Packanack Lake, NJ Risk Profile

The primary drivers of climate-related financial risk in Packanack Lake, NJ are Inland Flooding, Hurricane, and Tornado.

City-Wide Aggregation

These scores represent the population-weighted average across all residential blocks in Packanack Lake.

Primary Risks

Inland Flooding

$1,914,435

Expected Annual Loss for Packanack Lake

87.8Score

Relatively High compared to US average

Packanack Lake
Minimal Estimated LossMax Estimated Loss

Hurricane

$68,156

Expected Annual Loss for Packanack Lake

68.9Score

Relatively Low compared to US average

Packanack Lake
Minimal Estimated LossMax Estimated Loss

Tornado

$66,035

Expected Annual Loss for Packanack Lake

45.4Score

Relatively Low compared to US average

Packanack Lake
Minimal Estimated LossMax Estimated Loss

City Boundary

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,914,435
Score: 87.8
MAJOR DRIVER
Hurricane
$68,156
Score: 68.9
MAJOR DRIVER
Tornado
$66,035
Score: 45.4
Strong Wind
$63,802
Score: 77.8
Heat Wave
$60,788
Score: 55.6
Cold Wave
$60,021
Score: 46.7
Earthquake
$59,695
Score: 58.9
Lightning
$25,193
Score: 65.7
Winter Weather
$9,526
Score: 74.4
Ice Storm
$2,247
Score: 22.9
Hail
$500
Score: 10.5
Landslide
$2
Score: 41.7
Wildfire
$2
Score: 19.8

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 87.8
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 68.9
💨Low Investment

Strong Wind Mitigation

Trim large trees back from the roofline and reinforce roof-to-wall connectors (hurricane straps).

Risk Score: 77.8
☀️Low Investment

Heat Wave Mitigation

Ensure attic insulation is R-49+ and consider a dual-fuel backup generator for AC.

Risk Score: 55.6
🏠Low Investment

Earthquake Mitigation

General property maintenance and insurance review recommended.

Risk Score: 58.9
🏠Low Investment

Lightning Mitigation

General property maintenance and insurance review recommended.

Risk Score: 65.7
🏠Low Investment

Winter Weather Mitigation

General property maintenance and insurance review recommended.

Risk Score: 74.4

Sources and Methodology

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

  • FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
  • U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Cities

Franklin LakesLincoln ParkPines LakePompton LakesPompton Plains

Zip Codes in Packanack Lake